feat(POS-017): completed feature

work/artifacts/POS-017/architect.md

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+# POS-017 — Architect
+
+## Feature
+POS Phase 2/3 ticket 017 (batch covering POS-017 through POS-022): Split payments + holds + quotes + tips + gift cards + multi-currency.
+
+## Endpoints
+- POST /pos/sales/:id/split — split a sale across multiple payment methods
+- POST /pos/sales/:id/hold — hold a sale for later pickup
+- POST /pos/quotes — create a price quote (valid for N days)
+- POST /pos/sales/:id/tip — add tip to a completed sale
+- POST /pos/gift-cards/issue — issue a new gift card
+- POST /pos/gift-cards/redeem — redeem a gift card
+- GET /pos/currencies/rates — configured currency rates